Cheapest Auto Insurance in Elk Grove, California (2025)
USAA is the cheapest car insurance company in Elk Grove, with monthly liability rates as low as $83.
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The Elk Grove average for full-coverage car insurance is $218 per month, which is lower than the California state average of $206 for full coverage. Elk Grove drivers may enjoy slightly lower car insurance premiums, especially compared to their neighbors in Sacramento, because Elk Grove has fewer residents and a relatively low rate of fatal accidents.1
Here’s what you need to know about comparing quotes and finding affordable car insurance in Elk Grove.
3 of the cheapest car insurance companies in Elk Grove
When choosing a car insurance company in Elk Grove, it’s important to consider your specific needs and circumstances rather than focusing on finding the cheapest policy. Factors such as your driving history, vehicle type, and coverage preferences play a role in determining which insurer offers you the most affordable prices.3
To help you shop for affordable car insurance, Insurify rated and identified the best car insurance companies in Elk Grove.
Best insurer for pay-per-mile insurance: Mile Auto
Best insurer for digital experience: Clearcover
Best insurer for full coverage: Travelers
How to get the cheapest car insurance in Elk Grove
When searching for affordable car insurance in Elk Grove, keep these tips in mind:
Practice safe driving. Maintaining a clean driving record by obeying traffic laws and avoiding accidents and violations can help you get lower rates.
Raise your deductible. Choosing higher collision and comprehensive deductibles typically results in lower premiums. Just ensure that you have enough savings to cover the deductible if you need to file a claim.
Compare free quotes. Remember, the goal is to find not just cheap car insurance in Elk Grove but the right policy at the best price. Since different insurance companies offer varying rates, it’s important to compare quotes from different companies to find the best deal.
Explore available discounts. One of the many important questions to ask car insurance agents about is potential discounts. Plenty of insurance companies offer discounts for factors like good grades, low mileage, or having certain safety features in your car.
Bundle policies. You may be able to bundle your auto coverage with a home insurance, business insurance, or life insurance policy to help you save on your coverage. If you have multiple people in your family who drive, you may also be able to save with a multi-car discount.
Cheapest liability-only car insurance in Elk Grove: USAA
If you’re looking for affordable car insurance in Elk Grove, at the very least, you’ll need liability coverage. This type of insurance meets state regulations and protects you financially if you’re responsible for an accident that causes damage or injury to others. But it doesn’t cover your medical expenses or car repairs.
Liability-only policies in Elk Grove cost $101 per month, on average.
Here are some of the most affordable liability-only car insurance companies in Elk Grove.
Cheapest full-coverage car insurance in Elk Grove: Anchor
While liability insurance covers damages you cause to others, full-coverage car insurance extends to pay for damages to your vehicle. It typically includes liability, comprehensive, and collision insurance coverages, but it can also include medical payments (MedPay).
Drivers in Elk Grove pay an average of $218 per month for full coverage.
The table below shows the cheapest Elk Grove car insurance companies for full-coverage insurance.
Car insurance requirements in California
In California, drivers must have car insurance coverage that meets the state’s minimum requirement, known as 30/60/15. State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025.
The table below reflects this change and the types and amount of coverage all drivers need to carry:4
While you can drive legally with liability-only insurance, it may not be enough financial protection for every driver. Consider adding the following coverage options to your auto insurance policy in Elk Grove for more protection:
California’s low-cost auto insurance program
The state established California’s Low Cost Automobile insurance program (CLCA) in 1999 to make it easier for drivers to afford car insurance coverage, despite rising car insurance rates. The program offers car insurance at a below-market annual cost from $232 to $932, depending on your county.
To be eligible for the program, you must:
Hold a valid California driver’s license
Meet income eligibility requirements
Own a vehicle valued at $25,000 or less
Be at least 16 years old
Have a clean driving record or be a new driver
The program’s auto insurance meets the state’s minimum liability requirements. However, drivers can add medical payments and uninsured/underinsured motorist coverage at an additional cost of $37 to $107 per year. California drivers can apply for the program online at MyLowCostAuto.com.
Cheapest car insurance for drivers with an incident
Finding affordable car insurance is important for drivers who have a record of incidents such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations. These incidents usually lead to higher insurance premiums for three to five years due to the increased likelihood of future claims.6
If you need affordable car insurance, check out the data below for the cheapest companies in Elk Grove for drivers with incidents on their records.
Cheapest car insurance for drivers with a speeding ticket: USAA
Driving faster than the legal speed limit poses significant risks, endangering both you and others on the road. As a consequence, having a speeding ticket on your driving record is likely to lead to higher auto insurance premiums for several years.
The average cost of car insurance for drivers with a speeding ticket in Elk Grove is $264 per month for full coverage and $122 for liability only.
To help you find the most favorable rates, here’s an overview of average monthly quotes for drivers with a speeding ticket on their record in Elk Grove.
Cheapest car insurance for drivers with an at-fault accident: USAA
In 2021, Elk Grove reported 609 injuries and fatalities from car crashes. When an at-fault accident appears on your driving record, it’s typical for your auto insurance premiums to increase. Insurance companies raise rates for several years to offset your higher risk of filing another claim.
Elk Grove drivers with an accident pay an average of $252 per month for full-coverage insurance.
Here are the cheapest monthly car insurance quotes for drivers with an at-fault accident on their record in Elk Grove.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is a grave offense that undoubtedly leads to significantly higher car insurance premiums. In 2021, 53 crashes in Elk Grove involved alcohol. Additionally, a DUI conviction may result in an SR-22 insurance requirement with the state. Insurance companies perceive a DUI history as a substantial financial risk, often resulting in increased premiums.
Drivers with a DUI in Elk Grove pay $163 per month for liability-only coverage, on average.
If you have a DUI on your record, here are the cheapest insurance companies in Elk Grove.
Cheapest car insurance for seniors: USAA
Your age significantly affects car insurance rates, with prices typically decreasing as drivers gain driving experience and enter their mid-20s. But once drivers reach around 70 years old, drivers may experience a slight uptick in rates due to factors such as potential health conditions and heightened accident risks.8
Here are the cheapest Elk Grove car insurance companies for senior drivers, based on Insurify data.
Cheapest car insurance for teens: USAA
Teenagers and young adults often face significantly higher car insurance costs than older drivers, primarily due to their limited experience and heightened risk factors. The number of teens and young adults from 15 to 20 years old killed in car crashes in California increased by almost 15% from 2020 to 2021.7 It’s important for parents and guardians to teach their young drivers safe driving habits, not only to prevent car crashes but also to keep car insurance premiums as low as possible.
Teens can also save money by staying on their parents' policies for as long as possible. Drivers younger than 18 can’t legally buy their own policy without the written consent of a parent or guardian.
A full-coverage policy in Elk Grove costs teen drivers an average of $417, while a liability-only policy costs $193. Here are the cheapest car insurance companies in Elk Grove for teens and young drivers.
Is car insurance more expensive in Elk Grove?
The average cost of full-coverage car insurance in the U.S. is $143 per month, and in California, it’s $150 per month. Elk Grove’s overall average car insurance rate of $159 per month is a bit lower than the state average and higher than the national average.
It’s important to note that insurance rates can vary significantly based on factors like weather, crime, and traffic. For example, Elk Grove has fewer residents and reported fewer car crash injuries and fatalities than neighboring Sacramento, and it has lower average car insurance rates.
More cities in California
While car insurance rates in Elk Grove generally are less than those in many other California cities, there are exceptions to this trend. For instance, cities such as Sacramento, which had a significantly higher number of traffic injuries and fatalities in 2021 than Elk Grove, typically experience higher average car insurance costs.
Here’s a comparison of Elk Grove’s average full-coverage and liability-only quotes with other major California cities.
Elk Grove car insurance FAQs
Learn why car insurance rates are increasing across the country, and check out Insurify’s answers to common questions about car insurance in Elk Grove.
How much is car insurance in Elk Grove?
The average cost of car insurance in Elk Grove is $101 per month for liability-only insurance and $218 per month for full coverage.
Which company has the cheapest car insurance in Elk Grove?
USAA has the cheapest car insurance in Elk Grove, with monthly liability rates as low as $83. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $93 and $101.
But the cheapest insurer for you will depend on many factors, such as your age, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Elk Grove?
Among the best car insurance companies in Elk Grove are Clearcover, Mile Auto, and Travelers. These insurers offer auto insurance policies that can cater to different drivers. For example, Travelers has plenty of additional coverage options that drivers can purchase for more protection, and Mile Auto offers pay-per-mile insurance, which is beneficial for low-mileage drivers.
What types of car insurance coverage are available in Elk Grove?
Elk Grove drivers can find multiple insurance coverage options available from insurers in their city. Coverages like liability, collision, comprehensive, medical payments, and uninsured/underinsured insurance are commonplace. But some insurers also offer special coverages, like new-car replacement, glass coverage, rideshare insurance, and gap coverage.
Can auto insurers use your credit score to set rates in California?
No. California prohibits car insurance companies from using your credit history to determine your premiums. This means that you won’t pay more for car insurance if you have bad credit rather than good credit.2
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